Kesuma, Sambas Ade, Siti Zabedah Saidin, and Aidi Ahmi. “IT Sophistication: Implementation on State Owned Banks in Indonesia”. International Review of Management and Marketing 6, no. 8S (December 31, 2016): 234–239. Accessed November 22, 2024. https://econjournals.com/index.php/irmm/article/view/3945.